With statutory insurance, you pay according to your salary. With private insurance, by contrast, the price depends on your age, your state of health and the coverage you choose. This makes private insurance especially attractive for young, healthy profiles, who can access more competitive prices.

Private insurance stands out for its flexibility and its higher level of customisation. Depending on the tariff, you can access medical care with shorter waiting times, free choice of doctors and hospitals, treatment by a senior consultant and better hospital conditions. It can also include cover for glasses, alternative treatments and high reimbursements for dental treatment.

Private health insurance can be a very good option for certain profiles, especially employees with higher earnings, job stability and good health. It's important to look carefully at the coverage, the long term and your personal needs before taking the step.

The threshold for access to private insurance doesn't only take your base salary into account. Recurring income such as regular bonuses also counts, as long as it is paid consistently. This threshold is reviewed every year, so it can change slightly.

If at some point your income drops back below the threshold, in principle you would have to return to the statutory system. In certain situations, however, there may be specific alternatives worth exploring depending on your case.

People who take out private insurance at a younger age tend to benefit in the long run. They build up retirement provisions for longer, reduce the likelihood of risk surcharges and access more attractive premiums.